Maplewood, MN · Updated Oct 2026

What a Maplewood house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Maplewood house

$10,712a year · $893 a month

Starts at $353,200 of value before exemptions. Typical use.

Property tax$5,388
1.944% of $353,200, less $14,762 homestead market value exclusion and less $500,000 class 1a residential homestead: 1.00% class rate on the first $500,000
Electricity and gas$2,281
587.82 kWh a month $1,198 · 71 therms $1,083
Water and sewer$987
6 units (CCF) a month on Saint Paul Regional Water Services: water $45, sewer $28, storm sewer (environmental utility fee), single family $10 a month
Trash$282
35 gallon, every week, $23 a month
Home insurance$1,774
Typical premium $1,774

A typical Maplewood house pays about $10,700 a year: $5,390 property tax and charges, $990 water and sewer, $280 trash, $2,280 electricity and gas, $1,770 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Switch to the 20 gallon, every week cartUp to $35 a year
Your cart costs $23 a month; the smallest costs $21. Worth it if you rarely fill it.
How: Contact Republic Services (651-455-8634) to switch your cart size.
File for homestead
Homestead can reduce the taxable market value of houses valued under $517,200, which may lower taxes, and it is one of the qualifying factors for the State of Minnesota Property Tax Refund.
How: Apply online with Ramsey County; the last day to apply is Dec. 31.
Claim the Minnesota property tax refund
The regular refund is based on household income and the property tax on your home; a special refund applies when your net property tax rose at least 12% and $100.
How: File with the Minnesota Department of Revenue by August 15; you may file up to one year late.
Seniors 65+: defer part of your property tax
With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.
How: You must be 65 or older (if married, the other spouse at least 62) with household income of $96,000 or less; apply by November 1.
Veterans with a 70%+ disability rating: homestead exclusion
Ramsey County offers a property tax exclusion for the homestead of an honorably discharged veteran with a service-connected disability rating of 70% or higher; the amount depends on the disability percentage.
How: Apply with Ramsey County by Dec. 31.
Pick the smallest trash cart that fits$28.13 vs $35.02 every two months
Republic's 2026 rate for a 20-gallon cart picked up every other week is $28.13 every two months, against $35.02 for a 35-gallon cart picked up every week.
How: Contact Republic Services to switch your cart size.
Put trash on hold for long trips
Trash service and billing can be put on hold for vacations of three weeks or longer; the recycling fee on the water bill cannot be put on hold.
How: Contact Republic Services to set up a vacation hold.

Adjust to match your bills

What you knowTrash cartPrices are Republic's 2026 rates (billed every other month, including taxes and fees) halved to a month, plus the $5.97 monthly recycling fee on the water bill. A 20-gallon cart picked up every other week costs $28.13 every two months. Yard waste is an optional $153.30 yearly subscription, not included.

Value before exemptionsUse the estimated market value on your 2025 valuation notice (the one your 2026 tax bill is based on). Street and other project charges vary by parcel and are not included.

I live here and have the Homestead market value exclusion and Class 1a residential homestead: 1.00% class rate on the first $500,000

Home insurance, a yearFrom your policy. We start at $1,774, NAIC average HO-3 homeowners premium for Minnesota, 2022, as published by the Insurance Information Institute.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical Maplewood house uses about 6.

Electricity, kWh a month

On your Xcel Energy bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysApply for the Senior Citizens Property Tax Deferral to defer next year's taxes
Dec 31in 69 daysLast day to apply for homestead and for the homestead exclusion for veterans with a disability
Jan 1in 70 daysUnpaid property taxes become delinquent and interest is charged (currently 10% a year)
May 15First half of Ramsey County property tax due; penalties start the day after

Who serves this house

Water: Saint Paul Regional Water Services; Saint Paul Regional Water Services bills residential accounts quarterly; one billing unit is 100 cubic feet (748 gallons)
Property tax: 1.94% of value; 2026 taxes payable, Ramsey County (Maplewood tax districts 5725/5726: ISD 622, Metro watershed)
Garbage: Republic Services (trash), Tennis Sanitation (recycling); The City contracts with Republic Services for single-family trash, billed by Republic every other month, and with Tennis Sanitation for recycling, whose fee is on your water bill
Sewer: City of Maplewood (billed by SPRWS); SPRWS only handles billing for Maplewood sewer; the City of Maplewood operates and maintains the sewer utility
Electricity: Xcel Energy; Xcel lists Maplewood as an electric and gas community
Gas: Xcel Energy; Xcel lists Maplewood as an electric and gas community
Schools: North St. Paul-Maplewood-Oakdale (ISD 622); Ramsey County parcel data puts 6,554 parcels in ISD 622 (6,526 + 28)

Pay or manage your bills

Your water

Source: Mostly surface water from the Mississippi River and the Chain of Lakes (2025 report)
Lead (2025): 2 of 105 homes tested had high lead levels; 90% of results were under 8 ppb (action level: 90% of homes under 15 ppb)
PFAS (2025): Highest results 0.91 ppt and 1.6 ppt for the two PFAS compounds with a 4.0 ppt EPA limit

Other MN cities

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How these numbers are made

Water: Saint Paul Regional Water Services' 2026 rates for Maplewood (billed quarterly): the $26.91 quarterly base fee for meters under 1 inch plus the City of Maplewood's 7.0% water surcharge, divided by 3, plus the $2.43 quarterly state drinking water fee ($10.41 a month); per 100 cubic feet, the average of the $4.95 winter and $5.11 summer rates (six billing months each) with the 7.0% surcharge, plus the 30-cent water main replacement surcharge ($5.68). The page starts at 6 units a month, the typical household SPRWS used in its 2026 rate notice.
Sewer: $4.59 per unit of water with the $25.74 quarterly residential minimum ($8.58 a month, which covers about 1.87 units a month). Homes are billed on first-quarter use and later quarters cannot be higher, so summer watering does not add sewer charges; this monthly model applies the rate to the use you enter. The single-family storm sewer charge (environmental utility fee, $30.68 a quarter) is added as a monthly utility fee.
Garbage: Republic Services' 2026 rates, billed every other month and including taxes and fees, divided by 2, plus the $5.97 monthly recycling fee on the water bill. The page starts at the 35-gallon cart; the city does not say which size is most common.
Property tax: Ramsey County's final 2026 payable rates for Maplewood tax districts 5725 and 5726 (ISD 622, Metro watershed; both 143.355831%), the area of 6,526 of the city's 7,887 single-family homesteads: county 50.117339%, city 50.479154%, schools 31.607172%, other 11.152166% (regional rail, county housing authority, Maplewood EDA, Metro Watershed District, Metropolitan Council, mosquito control) of tax capacity, plus 0.151872% of market value for school referendums. Tax capacity is 1.00% of taxable market value up to $500,000 and 1.25% above, so each rate is applied at 1.00% and one extra line adds 0.25% x 143.355831% on value above $500,000. For homesteads the homestead market value exclusion ($14,762 at the $353,200 median) comes off the tax-capacity parts only. At the median this gives about $5,388 a year, matching Ramsey County's 2026 tax on ISD 622 Maplewood homesteads valued at $353,200. Roseville-schools areas (ISD 623) pay 146.922277% to 147.167130% plus 0.222611%. The state general tax does not apply to homesteads.
Tax-bill charges: Ramsey County parcel data shows nothing due for assessments on 6,365 of 7,887 Maplewood single-family homestead tax bills for 2026; the rest carry amounts that vary by parcel, so none is included.
Electricity and gas: Xcel Energy. Electric: the $6.00 basic service charge without a Maplewood franchise fee (Xcel's rate book lists $3.00 with a 09/26/2024 expiration and no renewal was found), and per kWh the 2024 average Xcel Minnesota residential revenue (EIA: $1,473 million over 8,677 GWh) less the basic charge, 15.96 cents; that average includes seasonal rates, fuel and riders but predates later rate changes, including Xcel's 2025 interim and later final rates. Gas: Xcel's table of average monthly residential bills at the January 1, 2026 interim rates ($21 at 10 therms, $336 at 300 therms) gives $10.14 a month plus $1.0862 per therm, plus the $3.00 franchise fee. Typical use: about 588 kWh a month (EIA 2024, Xcel Minnesota) and 71 therms (Xcel's typical residential gas customer). Insurance: 2022 NAIC Minnesota average (HO-3; dated, premiums have likely changed since) until you enter your own. Sales tax is not included.
Nothing here is legal, tax or insurance advice.

Sources

How Maplewood compares

A typical Maplewood house against the 35 Minnesota cities we cover, using the same default numbers as the total above.

Per year	Maplewood	Median	Where it falls
Property tax rate	1.94%	1.49%	higher than 32 of the other 33 Minnesota cities we cover
Water	$534	$339	higher than 26 of the other 34 Minnesota cities we cover
Sewer and utility-bill fees	$453	$621	lower than 30 of the other 34 Minnesota cities we cover
Trash	$282	$326	lower than 5 of the other 8 Minnesota cities we cover
Electricity and gas	$2,281	$2,150	higher than 25 of the other 34 Minnesota cities we cover
Home insurance	$1,774	$1,774	in the middle of 34 other Minnesota cities we cover
Total	$10,712	$9,536	higher than 28 of the other 34 Minnesota cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Maplewood's property tax rate is 1.94%, higher than 32 of the other 33 Minnesota cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Maplewood is 1.94%, higher than 32 of the other 33 Minnesota cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $534 a year at typical use, higher than 26 of the other 34 Minnesota cities we cover.

Ask: "Water here costs about $534 a year at typical use, higher than 26 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"

3. Sewer and utility-bill fees

The fact: Sewer and flat utility-bill charges here come to about $453 a year, lower than 30 of the other 34 Minnesota cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.

Ask: "Sewer and flat utility-bill charges here cost about $453 a year, lower than 30 of the other 34 Minnesota cities we cover. What drives that cost, and would you change anything?"

4. Trash

The fact: Trash pickup here costs about $282 a year for the standard cart, lower than 5 of the other 8 Minnesota cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $282 a year for the standard cart, lower than 5 of the other 8 Minnesota cities we cover. What drives that cost, and would you change anything about the service or the price?"

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Common questions about Maplewood house costs

What is the property tax rate in Maplewood?

About 1.94% of the value before exemptions a year (2026 taxes payable, Ramsey County (Maplewood tax districts 5725/5726: ISD 622, Metro watershed)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Maplewood?

About $7,905 a year on $500,000 of the value before exemptions with the homestead market value exclusion.

How much is the water bill in Maplewood?

About $82 a month for water and sewer at typical use (6 units, or 4,488 gallons a month) on Saint Paul Regional Water Services.

How much does trash pickup cost in Maplewood?

$21 to $41 a month, depending on the trash cart size (20 gallon, every week, 35 gallon, every week, 65 gallon, every week, 95 gallon, every week).

When is property tax due in Maplewood?

Jan 1: Unpaid property taxes become delinquent and interest is charged (currently 10% a year) May 15: First half of Ramsey County property tax due; penalties start the day after Aug 15: Minnesota property tax refund due; you may still file up to one year late

Can seniors lower their property tax or bills in Maplewood?

Yes. Seniors 65+: defer part of your property tax: With the Senior Citizens Property Tax Deferral, the tax you pay is 3% of household income and the state pays the rest as a loan, repaid with interest when you sell or cancel.

How much does a house in Maplewood cost to run each year?

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